It’s amazing! We have lowered our mortgage by about €100.000 in just 3,5 years. How did we do this? What’s our secret? Here is an analysis how we reduced our mortgage by €98.212 in 41 months! The Secret We spent[…]
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Author: Team CF
Dutch couple (with kid) on a mission to become Financially Independent & Retire Early.
2019 was the hottest year on record
No really, 2019 was the hottest year on record! We have never been this hot (and dry) and we loved every minute of it 🙂 I mean, it was HOT! Happy, Opportunity rich & Time rich. Who does not want[…]
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Wishing you a brilliant 2020!
Thank you all for (still) being (regular) readers of our little blog in the finance and early retirement corner of the interweb. As the year-end is closing in, it’s not a bad idea to quickly look back at an uneventful[…]
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Beer & Personal Finance
It’s been 345 days since I had my last beer (or any alcoholic beverage for that matter). Just 20 more days to go before I’m allowed the holy beverage once again 🙂 Despite the year going remarkably smooth and not[…]
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Dividend yield vs dividend growth
Dividend yield vs dividend growth, which one provides you with the biggest return? How did some example stocks do over the last decades and what are typical numbers? A short analyses today! A lot and a lot more Most dividend[…]
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How much do you need to retire in the Netherlands – 2020 update
It’s that time of year again for me to look forward and determine the new “early retirement numbers”. We do this for ourselves each year to find out what our new target wealth should be based on a 4% net[…]
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The perfect dividend portfolio
The perfect dividend portfolio (if such a thing exists), what would that look like? It depends on what you define as perfect. In this case I want to look at a portfolio that “perfectly” reflects the expenses it needs to[…]
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Castle on FIRE – France Edition
With the Castle on FIRE weekend we did earlier this year being a great success, I wanted more! I’ve found a nice “little” castle in northern France and just made initial reservations for next year. What’s the deal you ask?[…]
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A homage to Netflix et al
Not too long ago I saw a tweet with a poll about the perception of people watching Netflix (or similar) and being boring. I had a chuckle for sure! Why? Because I must be boring as hell! So today a[…]
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Dutch Real Estate: Box 1, 2 or 3?
With the proposed new tax laws for 2022, there are a lot of changes for real estate investing in the Netherlands. The primary conclusion is that owning real estate as of 2022 will be a lot more expensive, tax wise[…]
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Real Estate or Stocks & Bonds?
Yes, the whole 2022 tax thing is keeping me “entertained”. Thanks to all for the comments and feedback on my last three posts (including this one). Both the impact on (our) FIRE target(s) and on having Real Estate has given[…]
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Dutch Real Estate and Box 3 in 2022
Last week we’ve looked at what the newly proposed 2022 Box 3 (“wealth tax”) does to your FIRE plans. As you likely know we use real estate as part of our FIRE plans. What’s about to change on this front?[…]
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How a government can screw up your FIRE plans
Today a lesson from having fickle friends: Dutch politicians and the associated tax department. With the future stroke of a pen, they may make our lives (those whom strive for FIRE in the Netherlands) a whole lot more difficult. So[…]
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A Cheesy Story
It’t time for a very Cheesy story. Why? Because I just did an interview with a woman’s magazine. I’m not sure when the interview will be posted and the magazine comes out, but I wanted to have this post ready[…]
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